If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62.

Opt for a fixed-rate rather than an adjustable-rate mortgage.

I think Oprah's [winfrey] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen right before your very eyes.

Once you stop looking for a job, you are no longer considered part of the unemployment number.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.

When you start really respecting yourself, those you love, and your money, the result is that you start having control over your money. What follows from that is control over your life.

The way to build your savings is by spending less each month.